Tenriola, T., Daud, D., Setiawan, A., Duwaidar, A., & Amran, P. P. (2025). THE USE OF PAYMENT SYSTEM (QRIS) ON UMKM BUSINESS DEVELOPMENT AT STIEM BONGAYA CAMPUS. ACCRUALS (Accounting Research Journal of Sutaatmadja), 9(01). https://doi.org/10.35310/accruals.v9i01.1411